Norman-Spencer

Plumbing

Plumbing & HVAC Contractors Insurance Program

The Norman-Spencer Plumbing & HVAC Contractors Insurance Program was designed for plumbing, heating, and air-conditioning contractors in all markets, including residential and repair, sheet-metal and mechanical. Plumbing and HVAC contractors make up the largest segment of the specialty contractor market in the U.S.

• A.M. Best "A+" Rated Carrier
• Available in All States, Except HI
• Illinois, New York referral basis only

General Liability

• $1,000,000 Per Occurrence
• $2,000,000 Aggregate
• $1,000,000 Products Aggregate
• $50,000 Fire Damage Legal Liability
• $5,000 Medical Expense
• $2,500 Minimum Property Damage Deductible, Per Occurrence

Special Extensions

• Blanket Additional Insured, full products available
• Per Job Aggregate
• Blanket Waiver of Rights
• Employers Benefits Liability
• Labor Reimbursement
• Limited Worksite Pollution Liability

Submission Requirements

• ACORD Applications
• Supplemental Application signed by Insured and Agent
• Loss Runs – 3-5 years currently valued and details of losses over $10,000